INSURANCE AGENTS
United Home Life
2018 Trip
Baltic Sea Cruise
United Home Life offers Whole Life and Term Life. E-applications are available. NO E & O is required. This company will accept monthly direct bill and offers a guaranteed issue product.
UHL has an easy issue product for insulin-dependent clients ages 20 to 80 from $2,000 up to $50,000 through their Express Issue Delux product in the Whole Life product line or through UHL's term products they can qualify for a 20 year ROP single issue.
UHL is now accepting social security draft dates on the second, third, or fourth Wednesday of each month for the Final Expense, Term, and reinstatement applications.
Product Details
Final Expense:
Not Available in MT, NY, SD, WY
E-Application Not Available in MA
PHI Interview Still Required with E-Apps
Guarantee Issue Not Available in AR, MA, MN, NH, NJ, KS, NV
Express Issue:
Ages 25 to 80 (varies in CA, NE, NJ, PA)
Minimum Amount $2,000
Maximum Amount $25,000
Graded Benefit 2-Years
PHI Required
Riders:
No-cost Identity Theft Benefit
Hospital Stay Benefit
Common Carrier Accidental Death Benefit
Express Issue Deluxe:
Ages 20 to 80
Minimum amount $5,000
Maximum Amount $50,000
PHI Required
Suitable for insulin-dependent diabetics
Available Riders:
Child
ADB (Minimum $10,000)
No-cost Terminal Illness Benefit
Express Issue Premier:
Ages 20 to 80
Minimum Amount $5,000
Maximum Amount Ages 20-60 $100,000 for Ages 61-80 $50,000
PHI Required
Suitable for COPD, Dementia, Alzheimers up to $25,000
Riders:
Child
ADB ($10,000 Minimum)
No-cost Terminal Illness Benefit
Guarantee Issue:
Ages 45 to 75 (NE 45-65)
Minimum Amount $5,000
Maximum Amount $10,000
No Underwriting
No PHI
3-Year Graded Benefit
Accidental Death:
Ages 18 to 60
Coverage Doubles over 20 years. Return of Premium option, No PHI. ONE underwriting question.
Amount $50,000 to $200,00
State Availability
Term Products:
Simpe Term 20 ROP:
At the end of 20 years client has option to continue the policy with annually increasing rates, receive a refund of the 20-year level premiums and coverage ends, use the surrender value to purchase reduced paid-up coverage to age 95 with no more premiums due.
Ages 20 to 60 (NT)
Ages 20 to 40 (T)
Minimum Amount $50,000
Maximum Amount:
Ages 20-45 $200,000
Ages 46-55 $150,000
Ages 56-60 $100,000
Provider Whole Life:
Ages 0 to 80
Minimum Amount $10,000
Maximum Amounts:
0-50 $150,000,
51-60 $100,000,
61-80 $50,000
Simplified Issue Standard and Preferred
PHI Required
Riders:
Waiver of Premium
No-cost Terminal Illness Benefit
No-cost $25,000+ face Amounts:
Common CarrierADB, Life Threatening Cancer Accelerated Benefit
Issue Ages 0-17 No-cost Guarantee Issue Insurability
Express Issue Term 20:
Ages 20 to 60
Minimum Amount $25,000
Maximum Amount:
Ages 20-45 $200,000
Ages 46-55 $150,000
Ages 56-60 $100,000
20-Year Level Term
Riders:
Waiver of Premium
Child
ADB
No-cost Terminal Illness Benefit
Express Issue Term 30:
Ages 20 to 55
Minimum Amount $25,000
Maximum Amounts:
Ages 20-45 $200,000
Ages 45-55 $150,000
Riders:
Waiver of Premium
Child
ADB
No-cost Terminal Illness Benefi
Riders:
Child
No-cost Terminal Illness Benefit